Orangetree, FL
Orangetree, FL's wildfire risk, in USFS's own numbers
Orangetree sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,037 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Orangetree's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
What "at risk" means for the buildings here
Only 18.2% of Orangetree's 2,037 buildings carry Direct exposure and 7.3% carry Indirect; the remaining 74.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Orangetree against the rest of the country
Orangetree ranks lower within Florida (61st percentile statewide) than its 84th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Orangetree ranks 5,014 for wildfire risk (1 is highest) and 7,365 by building count (1 is largest). Within Florida alone, it ranks 375 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Orangetree's very high rating (84th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 74.5% of buildings rated Minimal exposure, Orangetree gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Orangetree's figures come from
Every one of the two percentiles behind Orangetree's 5,014-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Orangetree's dominant minimal exposure actually means, with real examples from across the dataset.